Nitin Ghadge, Founder and Chief Financial Planner

Nitin founded Hirannya Financial Planners way back in July 2010. Our company is now responsibly managing 150 families’ investment portfolio and reviewing their financial plan at regular intervals. Our clients include senior professionals, executives and businessman. Nitin is an experienced and qualified financial planner. He is also an AMFI certified Mutual Fund Advisor and IRDA certified insurance counselor. Earlier Nitin worked with Private Banks & Non Banking Finance Companies.

Nitin is ably assisted by a team of experts consists of a Chartered Accountant, Lawyer, Equity Analyst and a senior Certified Financial Planner. Combined experience of the team is more than 20 years. Besides this we have a back office team which takes care of all operation related activities. We strongly believe that we will be judged by our works only and the values that we added in our  clients’ life. Our clients are our most valued ambassadors and also partners in growth. Please find below few of our clients’ testimonials which means the world for us:

What Our Clients Say…

Rajendra Kumar (Manager, Tally Solutions Private Limited, Mumbai)

My past 3 year experience with Hirannnya Financial Planners is amazing. HFP takes care not only of my finance but also they gave protection to me & my family where finance involve.

HFP helps me a lot in finance & makes double my invested money in just 3 year. Which I feel I would have never got this if I would have done this.

HFP showed me way to closed my burden of personal loan & directed/boosted my finance in proper track. Very Systematic/professional way they handles the finance.

Best of luck to Hirannya Financial Planners for its better prospect.

 

Suyog G. Kavle (Charted Accountant, Mumbai)

Inspite of our lives being so hectic, full of surprises, uncertainties with little time to spare, it's a wonderful feeling just to know that you're out there to take care of something which actually deserves lot of time devotion from all of us. I would like to take this opportunity to thank you for your support and active participation in the whole process of financial planning of my family. In addition I greatly appreciate the educational and thought revoking articles which you sent thru emails.

You've made my life much easier, in your own caring way and all my rest of life is now going to sail safely because I have you along my side.

For your cordiality, trust and whole hearted support, please, accept my deep appreciation. Thank you.

 

Amit Rewadkar (Asst. Manager. HDFC ERGO GIC)

Hirannya Financial Planners done financial planning for myself, my wife and my 1 year old child, which has made me feel safe and also more organised, as I can capture details from website & understand exactly how r my investments doing.

HFP always circulates articles and eye openers to keep all his investors / clients updated regarding the market and also to educate them in the right direction in investments.

HFP always says that "just doing financial planning does not mean that we should not bother ahead, one has to go ahead and keep a close track of his finances as routine as possible so as to learn the ups and downs happening in your own investments, also 1 should run behind the ups and downs in the figures, but should be disciplined in the provided plan and access the same as many times as possible for better prospects."

Last but not the least….HFP has always been a good friend to be cherished, but more than that HFP has been a genuine well-wisher, ethical financial planner & the best coach I have come across.. Wishing him the best NEW YEAR….and it has been an honour to have Hirannya Financial Planners in our life.

 

Rohan Raje (Marketing Head ACME Architechtural Systems)

"Hirannya Financial Planner – Teach us to Think and Dream big."
I happen to meet HFP when i was in Future Group, where my Financial Future was heading nowhere. Hirannya Financial Planners guided me and showed me what an individual can achieve if one is systematic and consistent in his approach. Today all my financial worries are been handled by HFP. I would always recommend HFP for your Early

Retirement Planning, this is what I've done. HFP not only taught me Financial Planning but also the true meaning of Friendship. It is a great experience to be associated with HFP "Partners in achieving our Financial Goals".

 

Prasanna Vivek Dumle (Manager in Leading Pharma Company)

"If planned carefully, any goal is possible."
It was a grand entrance in field of financial planning. My sessions with Hirannya Financial Planners helped to add time value dimension to my investments.
My financial goals are now SMART ( Simple / Measurable / Achievable / Realistic / Time bound).

 

 

 

Amit Date (IT Manager in MNC)

I was introduced to the world of Financial Planning by Hirannya Financial Planners and I must say that it has not only increased by awareness in personal finance but has also put my retirement and other financial goals on the right track.

I was making investments or buying insurance without keeping any specific goal in mind and over time the investments were either making losses or not upto the mark or the insurance was not enough to provide the required financial security.

Hirannya Financial Planners explained me the importance of a formal financial planning process and putting money in the right investment vehicles to achieve my financial goals. They went through the painful process of identifying financial goals, setting financial targets for each goal and then selecting the right financial instruments for regular investments.

They have been diligent with their reminders on investments and insurance premiums. And also has been regular with financial reviews during the year and at the end of the planning year. This ensures that my investments targets are on track and we are making necessary adjustments to the portfolio so that my funds are in profitable instruments.

I thank Hirannya Financial Planners for the work they have done on my financial planning and wish them all the best.

 

Mansing V. Surve (Working in Cipla Ltd)

I am an ex-servicemen and now working in Cipla Ltd. When first time I met to Hirannya Financial Planners in month Aug 2010, I was totally unknown about term 'Financial Planning'. Till 2010 I was tagged with LIC Endowment and ULIP policies.

In first meeting HFP explained / aware me what is financial planning, why required term plan, child education goal & retirement goal, how affect age factor etc. After that I started invest a small amount. Time to time awareness by HFP I understood why it is necessary. HFP spent lot of his valuable time to give me awareness, main thing is that HFP never misguided me. Step by step and as possible I started investment for child higher education goal & retirement goal. After some time I understood how does LIC& ULIP policies works and their charges like as mortality, admin, commission etc. When I checked my 4 yrs completed LIC & ULIP policies surrender value, I shocked it was nearly 60 – 65% of total invested amount. Also my personal loan EMI was affecting my budget / investment and I closed my personal loan.

The practice of noting daily household expenses helps me reduce unnecessary expenses. Financial report & time to time review helps us to find out our current goals position and where is shortfall. Now my child higher education goal investment is going smoothly and there is shortfall in retirement goal because I am not investing whole amount as suggested as per my financial report but step by step I will make-up the deficit amount.

Upto the year 2010 my tendency was earn and spend but Hirannya Financial Planners (HFP) taught me how to spare and follow discipline in investments. My all investments are for long period, markets ups / down never affect me become panic due to awareness which is given by Hirannya Financial Planners (HFP).

 

Shreyas Salvi (Interior Designer Edifice Consultants Pvt Ltd)

We have met 2 years before to Hirannya Financial Planners regarding Financial Planning. HFP is so punctual and discipline, that is also for our planning and compare to him we were not that much discipline. We have met first time and we had only discussed about my current financial status at that time an HFP had showed me some path for my wedding fund. HFP direction was so useful for me that I have successfully achieved my wedding expense goal in 1 year.
Now before 3 months I have decided to do financial planning then we have met again HFP explained me about financial planning, term insurance and child-education goal.He explained me about how age factor is important while making investments or taking a life insurance. Then we have planned about many things and now somehow my financial life is going smoothly, I said somehow because it has just started and it's a long way to go , I know that what I wanted to achieve , that will I am surely going to achieve with Hirannya Financial Planners.

Hirannya Financial Planners Online Solutions also are so helpful that we can see anytime our investments status. They are working as pure corporate professionals. They have been so punctual with their reminders on investments and insurance premiums. Now it is like family and HFP become our family friend too.

I always discuss with my friends and office colleagues about HFP and some of my friends have also met HFP. At this stage we are not that much aware about financial planning and about investments. Hirannya Finnancial Planners is going great and they are working with very Positive attitude.

But over and above we thank Hirannya Financial Planners for their guidance and support.

 

Sanjay Taribagal (HDFC Bank Ltd Manager)

I met HirannyaFinancial Planners one year's ago in (2011). HFP had guided me how to systematically invest and achieve the goal. HFP has also shared a series of knowledge through personal finance article which can be done by true friend only. I thank by heart to HFP for wonderful guidance. Thanks once again.

 

 

 

Sunil Chavan (K. M. Kundanani Pharma Politechnic)

I feel secured. I feel like Hirannya Financial Planners is looking out for my future, my welfare. Hirannya Financial Planners worked on my first action plan of my finances , which boost my confidence . I would describe HFP as friendly, confident and genuine for good solid advice based on facts, a deep understanding of markets and using statistical approach you get answer for your every financial query.. Hirannnya Fin Planners gives you information you need to invest for your future in a way that suits your needs.

 

 

Jayant Kapare (Sirona Dental Systems Pvt. Ltd.)

Till April 2013, I was not fully aware of financial planing, I was under impression that if I purchase different LIC policies, under different, It is sufficient for me to secure my future, so I invested in various policies without any other thought, & it makes mess in my life, the premium was became so large, that hardly few rupees left with me at the end of the year. Hirannya Financial Planners explained me & make aware me what is financial planing, they made me visualize my goals & accordingly they habituate me to invest accordingly (i.e.Goal oriented investment). They made me clear how policies works, their charges like mortality. admin charges, agent commissions, etc. I was shocked on checking the surrender value , it was only 60-65 % of total invested amount. Also with the help of Hirannya Financial Planners professional advice, I have closed my personal lone on credit card, which was affecting my budget. Also he has make me practice to write daily expenses, so now at the end of the month I can come to know where made more or extra unwanted expenses.

We are doing 6 monthly review of our investments & planned accordingly for my Children education, marriage & my retirement.
HFP's emails, what's ups, awareness notifications & articles are very useful for me & as far as I also try from my side to aware in my friends about Hiranya financial planners & Importance of Financial planner in our life among my friends.

All the best from me

 

Ajinkya Navale.NRI (Marine Engineer.)

There is no mean of impossible, we are born to win. Just find the way and if it's not you can create. And the way I found in my life through Hirannya Financial Planners. It is said that investing without financial knowledge is money soon gone. So I was always worried about what could be the right choice!! But Hirannya Financial Planners made my life easier and absolutely stress free. Before I was only willing to do so but it wasn't possible because we didn't have a right track. By the accurate planning of Hirannya Financial Planners our life got insured. Now we feel that our future is secured.